Elnora, IN
Elnora, IN's wildfire risk, in USFS's own numbers
Elnora sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 524 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elnora at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Elnora's building exposure, zone by zone
Elnora rates 70.2% Minimal exposure against just 29.8% Direct and 0% Indirect — of 524 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Elnora against the rest of the country
Within Indiana, Elnora ranks higher (18th percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Elnora ranks 30,729 for wildfire risk (1 is highest) and 16,960 by building count (1 is largest). Within Indiana alone, it ranks 792 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Elnora
Elnora's low wildfire rating (3rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 70.2% of buildings rated Minimal exposure, Elnora gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elnora's figures come from
The methodology guide shows exactly how USFS turned 524 counted buildings into the percentiles shown above for Elnora. The exposure-zones guide covers what Elnora's dominant minimal exposure actually means, with real examples from across the dataset.